– AAA Lendings Portfolio Program – AAA Lendings Detail:
Overview
Portfolio Bank Statement
Portfolio DSCR
Portfolio Foreign National DSCR
* Retail Only
Details
1) 5/6 ARM 30 Day Average SOFR (5/1/5);
2) Buydown ratio under par 1:2;
3) Range of Loan Amount $500,000 – $5,000,000.
* Buyup ratio over par unacceptable
What’s this program?
Portfolio Bank Statement
1) Lender Fee same as portfolio program;
2) Trust/Entity Review, if applicable $300;
3) TX Doc Review, if applicable $150;
4) Bank Statement Income LTV Max 65%;
5) Bank Statement – Interest Only Max LTV 60%;
6) Minimum Loan Amount $500,000;
7) Foreign National – Not Eligible;
8) 18-Month Pre-Payment Penalty is equal to 6 months interest.
Portfolio DSCR
1) Lender Fee same as portfolio program;
2) Trust/Entity Review if applicable $300;
3) TX Doc Review if applicable $150;
4) Minimum Loan Amount $500,000;
5) Foreign National – Not Eligible;
6) Minimum DSCR 1.000;
7) Loan Made to Natural Person – No Entity Borrowers;
8) 2-4 Unit Property Eligible and 5% Reduction in Max LTV/CLTVs on Matrix;
9) 18-Month Pre-Payment Penalty is equal to 6 months interest.
Portfolio FN DSCR
1) Lender Fee same as portfolio program;
2) Trust/Entity Review if applicable $300;
3) TX Doc Review if applicable $150;
4) Foreign National Review $250;
5) Minimum Loan Amount $500,000;
6) Minimum DSCR 1.000;
7) Interest Only – Not Allowed;
8) Power of Attorney – Not Allowed;
9) Pre-Payment Penalty (Investor only) is 18 months and equal to 6 months interest.
How to Calculate Portfolio DSCR?
DSCR shall be calculated as follows: DSCR = *Net Rental Income ÷ Qualifying Monthly Payment (P and I only);
*Net Rental Income = Gross Rents * (1 – Expense Factor);
Expense Factors: Property without HOA = 25%, Property with HOA = 30%;
Rent will be the lesser of: Current lease income or the amount on the 1007 provided by the appraiser showing the estimated market rent schedule.
Product detail pictures:

Related Product Guide:
Customer education is a cornerstone of AAA LENDINGS' mission. We believe that an informed borrower is an empowered borrower. That's why we go the extra mile to provide educational resources and guidance to help you navigate the complexities of the mortgage process. Our team is dedicated to answering your questions, explaining the intricacies of interest rates, loan options, and more, ensuring that you make well-informed decisions. Your financial literacy and confidence matter to us. – AAA Lendings Portfolio Program – AAA Lendings , The product will supply to all over the world, such as: Bangladesh , Czech , Belarus , We'd like to invite customers from abroad to discuss business with us. We can provide our clients with high quality products and excellent service. We are sure that we will have good cooperative relationships and make a brilliant future for both parties.

It is really lucky to meet such a good supplier, this is our most satisfied cooperation, I think we will work again!
